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The equal pay monthly payments required should allow you to pay off equal pay pruchase within the equal pay period if:
    1. You make your payments by the due date each month, and
    2. This balance is the only balance on your account during the equal pay period
If you have other balances on your account, the equal pay monthly payment will be added to the minimum payment applicable to those balances. Any monthly payments shown do not include taxes and delivery since those amounts are not the same for every transaction.

IMPORTANT: The Information about the Equal Monthly Payment shown assumes the Equal Pay promotional financing offer is applied to the purchase

Credit offers cannot be combined. Offers subject to credit approval. We reserve the right to discontinue or alter the terms of these offers at any time.

* Subject to credit approval. If your purchase qualifies for multiple offers, you will be asked to choose the offer to apply. To qualify for this offer you must apply and be approved for a new Harbor Freight Tools Credit Card. One-time 10% off (excludes shipping and handling) will be applied at checkout to your first purchase with the card unless your purchase qualifies for and you choose an equal pay option, in which case you will forfeit the 10% offer.

† Qualifying purchase amount must be on a single receipt. Harbor Freight has already paid the interest on this purchase in advance. No interest will be charged and equal monthly payments will be required on each equal pay purchase until it is paid in full. These payments equal the total equal pay purchase amount (including taxes and delivery) divided by the number of months in the equal pay period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this was not an equal pay purchase. Late fees charged for not making a monthly payment by the due date will be assessed interest. Regular account terms apply to non-equal pay purchases. For new accounts: As of 8/1/2021 Variable Purchase APR is 25.99%. Minimum interest charge is $2. This APR will vary with the market based on the prime rate. Existing cardholders: See your credit card agreement terms.